Levi Foss House · Photo: Magicpiano · CC BY-SA 4.0FEMA puts Dayton’s expected hazard damage per building below that of 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dayton gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (57%), then hurricanes (29%). Flood insurance has paid 2 claims here since 2006.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Dayton faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Ice storms
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Dayton’s grade
River and rain flooding is 57% of the building damage FEMA expects in Dayton, and Dayton’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Ice storms add 8%, at a rate in the top 4% of U.S. census tracts.
A− lower expected damage per building than 80% of U.S. towns (21,298).
All of Dayton’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $468K a year in losses across Dayton: $352K to buildings, the rest to people and crops.
Does Dayton flood? Rarely: 2 flood claims since 2006
Every paid claim on a federal flood insurance policy in Dayton, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- The April 2007 nor’easter1 claim · $2K
Dayton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: York County.9 federal disasters brought FEMA money to Dayton
Disasters that paid out in Dayton itself (aid to households or repair grants to the Town of Dayton), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$13K to the Town of Dayton for repairs
- 2024Severe Storms and Flooding4 households applied for aid$48K aid approved$7K to the Town of Dayton for repairs
- 2017Severe Storm and Flooding$3K to the Town of Dayton for repairs
- 2011Tropical Storm Irene$6K to the Town of Dayton for repairs
- 2010Severe Storms and Flooding$7K to the Town of Dayton for repairs
- 2010Severe Winter Storm$7K to the Town of Dayton for repairs
Show all 9
- 2008Severe Winter Storm and Flooding$5K to the Town of Dayton for repairs
- 2007Severe Storms and Inland and Coastal Flooding18 households applied for aid$24K aid approved$26K to the Town of Dayton for repairs1 flood claim paid that year
- 2006Severe Storms and Flooding4 households applied for aid$3K aid approved1 flood claim paid that year
York County has had 35 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Dayton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dayton archive →Dayton and its neighbors
Dayton is 2nd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Buxton | A−less damage than 82% | river and rain flooding | 5 |
| Dayton | A−less damage than 80% | river and rain flooding | 2 |
| Lyman | A−less damage than 80% | river and rain flooding | 2 |
| Saco | B+less damage than 68% | river and rain flooding | 217 |
| Hollis | Bless damage than 64% | river and rain flooding | 1 |
| Biddeford | Bless damage than 62% | river and rain flooding | 180 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Dayton faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Dayton
Is Dayton at risk for natural disasters?
On FEMA’s National Risk Index, Dayton has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (57%) and hurricanes (29%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dayton flood?
Flood insurance has paid 2 claims in Dayton since 2006, $5K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from April 2007 Nor'easter (1).
Is Dayton in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In York County, 3.4% of all homes carry federal flood insurance.
How much is flood insurance in Dayton?
FEMA’s Community Rating System list shows no discount for Dayton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Dayton?
By FEMA money that reached Dayton, Severe Storms and Flooding (2024): 4 households applied for aid, $48K approved, and $7K to the Town of Dayton for repairs. By flood claims, April 2007 Nor'easter: 1 paid, $2K.
Is Dayton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Dayton’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dayton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dayton’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.